Royal Bank in Saint Louis, MO

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Tips & Advice

What documents are necessary when opening a bank account?

Generally, when opening a standard domestic bank account you will need two forms of government issued identification, like a social security card and a driver’s license (or legally issued ID), or a passport. Some accounts may require an Individual Taxpayer Identification Number (ITIN) or a proof of address, meaning you need to bring in something like a utility bill with your name and address on it. More complicated accounts can have different requirements. If you are not a U.S. citizen, you might be able to open an account with a state-issued identification from your country of citizenship.

What should I look for when picking a bank?

The best way to pick a bank is to identify exactly what your financial needs are and find a bank, or banks, that provide those services. If you need basic checking and/or savings accounts, nearly any local bank can set you up. Some banks can cover the entire spectrum of needs, while some are more specialized toward businesses, international account holders, or high-end clients. If you are in a specific industry that has a corresponding credit union, those can be a great place to go. Do some research or get referrals or recommendations.

What is online banking?

Online banking allows you can access your bank accounts on your computer (or smartphone) and pay your bills, write online checks, deposit checks (via the bank’s app) transfer money, check on account balances from the comfort of your home. Online banking is the new normal and is a convenient tool to manage your finances without ever having to step foot in a bank.

What is an overdraft fee?

An overdraft fee is when a checking or savings account is overdrawn. If you don’t have electronic notification set up when you balance gets below a certain amount, you might find out when a check bounces.Usually your bank will cover the difference and charge you a fee. These fees vary depending on the amount of the overdraft, how long you’ve been with the bank, how much money you keep there, etc. These fees can sometimes be waived if the overdraft is minor and/or if you are a valued customer in good standing with the bank.

What is a credit union?

Credit unions are non-profit banking institutions that are set up to serve their members. Credit unions provide many of the same services other banks provide, such as checking and savings accounts, loans and investment opportunities. The big difference between credit unions and banks is credit unions are also member owned -- the depositors are the owners and it works as a cooperative institution -- which provides a lower-interest loans and services.

What does FDIC Insured mean?

The Federal Deposit Insurance Corporation (FDIC) is a federal agency that protects and insures customer deposits in banks and credit unions. If a bank is robbed or goes bankrupt the FDIC protection means you will not lose (all of) your money, but you’ll probably still need a new bank. Most banks are FDIC insured and will have a notice on display (usually a sticker on the entrance) alerting you it is a FDIC insured institution. This provides protection of up to $250,000 per depositor, per branch, per account. Not every cent is guaranteed.

What services do banks provide?

Banks provide a variety of services. First, they offer a place to keep your money and financial assets and you can make dividends from interest. They can set you up with a credit card for spending or to just establish credit in order to make larger purchases. They provide loans for cars, homes, businesses, or just about any reason (as long as you can pay it back!) -- as well as provide financial services, such as investing guidance and opportunities. Most banks have safe deposit boxes where you can store things like jewelry, gold, or important documents. Banks are in the business of making money, so understand you will be paying for most services.

What are the different types of bank accounts?

While there are a variety of bank account types, there are five primary types: Savings, basic checking, interest-bearing checking, money markets, and CDs

Savings accounts are where you put your money for that rainy day. They usually have interest rates higher than a checking account.

Basic checking accounts provide a minimum of services, usually they are a very low or no-interest account used to write checks, or for setting up automatic payment schedules for bills where payments are made electronically.

Interest-bearing checking accounts pay you an interest rate, in addition to doing everything that a standard checking account does. .

CDs are time-based deposits in which you agree to keep the entire sum in the bank for a period of time (six months, 12 months, 24 months) and the longer the time, the higher the yield or return for you (because the bank gets to use your money longer, too).

What are the different types of banks?

There are four primary types of banks: Commercial, consumer, private, and investment:

Commercial banks are where most people have their checking and/or savings accounts. Their primary business is taking assets and deposits, lending it to other customers, and making money off of the loan’s interest rates. They also charge fees on checking and/or savings accounts.

Consumer banks, such as a credit union, generally focus on the personal needs of a specific group or industry, like an auto workers credit union. They offer the same services as commercial banks, but the idea behind credit unions is to support and cater to a specific group of customers.

Private banks primarily deal with high net worth individuals, and/or those with sizeable assets, and help them with investments, banking and other services.

Investment banks deal primarily with businesses to sell bonds, acting as a conduit between the investors (those folks putting up the money) and the business (those folks borrowing the money).

DO NOT USE.......BUYERS OR SELLERSWe entered in a sell agreement with a buyers for the purchase of our house on May 30th 2013. NASB issued a preapproval letter to the buyers for the amount of $267K and our mutual contract was $253K. Based on the preapproval letter they received from NASB we felt confident that we were entering into this contract with a buyer who could financially make it to close. In fact our realtor, Kenny, spoke directly to Nick Weeks of NASB approximately 2 weeks ago to get a status on the loan process and he told Kenny he had all of the required documents and everything looked in order. The buyers had their home inspection conducted June 10th, 2013 and the appraisal conducted July 10th, 2013, with the expected close to be July 31st, 2013As a result of the inspections we performed the requested repairs which totaled $4000, again based on the assurance and confidence that all loan issues were in order. Today, July 11th, 2013, NASB determined that the debt to income ratio and resulting credit score were not sufficient to complete the loan. We were informed by our agent that our deal was off, we have no recourse and we have no explanation. Our house has now been off the market for over 6 weeks based on NASB’s issuance of an inaccurate qualification letter. The interest rate climate has changed considerably and the considerable interest we had in our house as a new listing in late spring is now passed. The only conclusion to be drawn is that NASB did not do their due diligence initially and multiple parties acted in good faith due to their negligence. We have been financially harmed by their lack of vetting and reckless actions and may not be able to recoup. In addition to the approximately $4000 to fix the repairs, we will now have to enter into this market again, with buyers applying for higher interest rates, will be incurring additional cost and cannot claim the earnest money. We have done all we have been asked to do, have documentation of all our required steps and are entitled to equal disclosure and due diligence in return. We hold NASB responsible for the transaction being terminated and hold them responsible for the costs we incurred due to their lack of accuracy and lack of due diligence. We expect NASB to reimburse us for the costs we incurred due to their neglect.

The Clayton branch of Central Bank is in turmoil, with experienced persons leaving, and newbee employees un- familiar with customers. I called to speak to my personal banker, and received a recorded message... "the person you are trying to reach does not have a valid voice mail on our system"! And...the unreachable person was taking over management of another branch!?

U.S. bank will lie to you. They have no intention but to take as much of your money as possible. You're literally better off dumping all your money in a parking lot, and then trying to get it back before it blows away. Don't use them.

worst bank ever!!!!! warning .... got a car loan from them they charged me a hi risk insurance policy be cause i did not show proof of insurance right away. $$$$600 after my insurance company called them and explained that there was no gap in my insurance they said it was too late and made me still pay. so i decided to refinance with a better bank and now they are making me jump through all kinda hoops to get a pay off and copy of title. they just put you on hold or when you get some one on the phone they tell you that they cant send it or some crap. i would like to mention how i got stuck with them in the first place, i bought a car from frank Leta Acura and they wouldn't use the bank i recommend . almost 8% interest on a used car when i have 780 credit???? i recommend Scott credit union 2.3% interest on same car... also the people at vantage are non educated on there policy and the law... warning don't get involved with them.. thanks scott .

This place has the worst customer service I have ever seen! I opened a safe box there and the one guy that works there is never down at the vault, so you have to call and wait,and then he is rude because you interrupted him. I didn't find out until after I opened the box that Safe Deposit is closed on Saturdays. I opened the box there because I have several accounts there and have them named to oversee my trust. I thought it would be easy for the kids to have everything in one place, but they will be totally lost trying to deal with this place. You call to ask a question and nobody in the place can give you an answer, they actually transferred my call to a guy with a voice mail saying he was out of the country for an extended time! After 5 calls they told me it would be better to come in. Why do I have to drive down there to ask a simple question? Who am I going to talk to when I come in? Doesn't he/she have a phone? Even finding the branch phone number instead of the call center is a difficult chore. I can't imagine how they are going to stay in business. I'm going to find a new bank and move everything. What a pain! Can I give the less than one star?

The worst drive thru tellers I have every had to deal with. Rude and down right mean! Can't believe they can get away with treating their customers (former customer) that way!! They are not friendly and yelled at me across the lobby!! Never go to this bank too many good banks around!!!